Deposit Rates

These rates are effective as of July 5, 2022

Rates are for personal and business accounts only. For municipalities and other public funds, rates are provided on the commercial and public funds rate sheet. We are not accepting deposits from other financial institutions.
Rates are subject to change.

New Money Deposit Specials

Capital Money Market~+

Only for new money to the Bank. $500,000 maximum deposit per account. For personal and general business investments; no bank or credit union investments. Please contact David Dudley in Accounting for rate quotes for public funds investments.

Interest RateAnnual Percentage YieldMinimum to Open
$100,000 - $500,000**0.08%0.08%$10,000
$50,000 - $99,9990.06%0.06%$10,000
$10,000 - $49,9990.04%0.04%$10,000
Less than $10,0000.01%0.01%$10,000
**0.01% APY* on every dollar over $500,000

Certificates of Deposit^

For personal and general business investments; no bank or credit union investments or public funds money is to be placed in the special. $250,000 maximum per account. Interested municipalities, please contact us for a quote

Interest RateAnnual Percentage YieldMinimum to Open
9 Month0.55%0.55%$5,000
15 Month1.01%1.01%$5,000

Standard Rates

Certificates of Deposit^

Interest RateAnnual Percentage YieldMinimum to Open
3 Month0.03%0.03%$2,500
6 Month0.07%0.07%$2,500
12 Month0.10%0.10%$1,500
18 Month0.15%0.15%$1,500
24 Month0.17%0.17%$1,500
36 Month0.20%0.20%$1,500
48 Month0.25%0.25%$5,000
60 Month0.30%0.30%$5,000
18 Month Variable IRA +0.20%0.20%$100
Other terms available upon request

Money Markets~+

Super Money Market

Interest RateAnnual Percentage YieldMinimum to Open
$50,000 and Over0.08%0.08%$2,500
$25,000 - $49,9990.06%0.06%$2,500
$10,000 - $24,9990.04%0.04%$2,500
Less Than $10,0000.02%0.02%$2,500

Savings~+

Interest RateAnnual Percentage YieldMinimum to Open
Savings0.03%0.03%$50

Checking~+

Interest RateAnnual Percentage YieldMinimum to Open
50+ Free Interest Checking0.02%0.02%$50
VIP Free Interest Checking0.02%0.02%$50
Business Checking with Interest0.02%0.02%$50

Capital Interest Checking & HSA Checking~+

Interest RateAnnual Percentage YieldMinimum to Open
$25,000 and Over0.07%0.07%$50
$10,000 - $24,9990.05%0.05%$50
$2,500 - $9,9990.03%0.03%$50
Less Than $2,5000.02%0.02%$50
See account disclosures for additional account information
*APY: Annual Percentage Yield
~Fees could reduce account earnings
+Rate may change after account opening
^A penalty may be imposed for early withdrawal

Terms and Conditions

CD Interest

Interest is compounded and credited quarterly on all certificates of deposit with the exception of the 3 month, which is credited at maturity.

CD Early Withdrawal Penalty

Term of 0 to 90 days: lesser of 30 days of interest earned on amount withdrawn or 100% of accrued interest.

Term of 91 days through 12 months: penalty equal to 90 days interest.

Term of more than 12 months up to 36 months: penalty equal to 180 days interest.

Term of 36 months or more: penalty equal to 365 days interest.